Ten highlights of financial management: Insurance focuses on diversifying risks. There are many highlights in the personal investment and financial management market.
1. Personal gold speculation: Entering the "golden" period. With the opening up of the gold investment field in China, the demand for gold will increase significantly. In 2004, "price and fee separation" will be implemented for gold jewelry, the 5% consumption tax is expected to be abolished, and the gold futures market is also expected to be launched. For Chinese people who have always had the habit of buying gold and hiding it for financial management, gold will undoubtedly become a popular investment product in 2004.
2. Treasury Bonds: Entering the Era of Value Investment In 2004, there is not much room for growth in the Treasury bond market, but for the common people, there will be good investment choices in terms of investment types and interest rates. Judging from the increase in the interest rates of the fourth phase of treasury bonds issued in 2003, there is a possibility of a partial increase in the treasury bond issuance interest rates in 2004.
3. Stock market: Lots of opportunities In 2004, the stock market was full of opportunities. After nearly three years of decline, the current market price-to-earnings ratio indicator is structurally improving, and both the external environment and internal conditions have contributed to the revitalization of the securities market. Institutional investors will dominate the market, and the concept of value investment will be further reflected. At the same time, the exchange will launch a series of new investment varieties and innovative tools.
4. Funds: Changing the traditional money-saving habits. The results of a large-scale "Resident Investment and Financial Management Needs" survey recently completed by Southern Fund Management Company show that funds, deposits, government bonds, and stocks are the most popular choices among Chinese residents at present and in the next three years. main investment channels. Among them, funds have significantly surpassed deposits and become the first choice for investment and financial management for Chinese residents.
5. Trust: Entrusted financial management is highly sought after. In 2004, trust product innovation will be rich and colorful, and it will also create many opportunities for investors. In terms of the management of trust products, at present, the China Banking Regulatory Commission’s management of trusts is relatively market-oriented. Innovations in the trust industry can be freely connected with the money market, capital market and physical trade market. In terms of product design, trust companies can also invest in securities. The plan is to bundle some trust products in the industrial field and innovate a variety of products suitable for different investors.
6. Savings: You still have a good time shopping around. Recently, the central bank has expanded the floating range of loan interest rates, especially the upward floating range; it has allowed deposit rates to float downward; and it has stated that it will further expand interest rate liberalization this year. varieties, forming a benchmark yield curve. Some banks have already taken the lead in lowering Hong Kong dollar interest rates. The deposit interest rates of rural credit cooperatives in some cities and counties such as Zhejiang, Fujian, Heilongjiang, and Jilin can increase by up to 30%. The policy of downward floating interest rates on residents' savings deposits will soon be lifted. Therefore, under the premise of considering the safety of deposits, the majority of residents may wish to "shop around" to choose the financial institution and type that suits them.
7. Foreign exchange market: There are many opportunities and considerable risks. The continued decline of the US dollar exchange rate in 2003 enabled more and more people to avoid the exchange rate risks of international currencies through personal foreign exchange transactions, which also promoted the The popularity of the foreign exchange market. I believe that the world will not be peaceful in 2004. The ever-changing year of 2004 will also bring more opportunities for foreign exchange speculation to the people.
8. Shops: The value emerges slowly. "One shop for three generations" really has a huge appeal to the people. In 2003, there were promises of zero down payment for buying shops in Shenzhen, Beijing and other places, which greatly lowered the investment threshold. The new "property investment and financial management" method adopts a model where investors invest in real estate, own completely real property rights, and hand it over to operating companies for unified leasing and management, ultimately allowing investment owners to stabilize their income, effectively lowering the investment threshold and ensuring the stability of income. sex. Various new store investments in 2004 may create several opportunities for investors.
9. Corporate bonds: investment value cannot be underestimated. The development of my country’s corporate bond market is seriously lagging behind, and there is huge room for development. There are various signs that corporate bond issuance may accelerate. The recent central bank report clearly stated that "steadily promote the market-based reform of corporate bond interest rates", and the "Corporate Bond Management Regulations" are also expected to be launched in 2004. In 2004, corporate convertible bonds, floating-rate bonds and bank subordinated bonds may become good investments.
10. Insurance: The purpose is to spread risks. When purchasing insurance, you should first consider basic medical protection, followed by critical illness protection, then pension insurance, and finally consider investment insurance. Different income levels should also be considered differently: on the premise of joining the social pooling insurance, low-income families have basic protection. At this time, they still need to consider purchasing protection insurance such as personal accident insurance. Those with a better income can consider Pension insurance; on this basis, middle-income families can consider purchasing some investment insurance that has guaranteed returns and are relatively safe; while for high-income families, if basic protection is worry-free, they can consider insurance such as hospitalization subsidies Improve the quality of life and enable some relatively risky investment insurance.
We believe that insurance is our least important financial tool, but it is absolutely indispensable!
This question is indeed the focus of today's attention, and everyone wants to find out the answer! From my personal point of view, I will continue to learn financial knowledge and continue to reasonably allocate the proportion of capital investment. Gradually adjust from short-term gains to medium-term gains. In the long run, this will ensure the safety of our assets and thus enable us to develop. I hope we can discuss with each other and help each other!